Interest rates

Interest rates starting from

Types of home loansInterest rates fromComparison rateHome loan explained
Variable rate home loans4.14%pa4.50%paA variable home loan interest rate moves up and down with market interest rates.
Fixed rate home loans

(1 yr fixed)

4.28%pa^4.31%paEnjoy the security of a fixed interest rate home loan. If you choose to fix your interest rate, it will not change during the fixed rate period and your repayments will remain the same.
Fixed rate home loans

(3 yr fixed)

4.09%pa*+4.49%pa
Fixed rate home loans

(5 yr fixed)

4.59%pa*4.69%pa
Line of credit4.34%pa4.56%paPopular for those expecting to need funds for investing or renovating – draw down the money as you need it.
Lo Doc home loans5.04%pa5.39%paLess paperwork, less financials required – commonly used for self-employed borrowers.
Bridging Loans4.49%pa4.53%paHomeloans’ MoniPower bridging loan combines into a single loan. Make no repayments for six months (12 months if you are building your new home), or until your existing property is sold.
Construction & vacant land loans4.14%pa4.50%paOn construction loans your builder will be paid in stages during the construction process and your loan balance will increase accordingly.
Non-genuine savings loans4.34%pa4.52%paThese loans are designed for those with less equity or deposit, and who may not have genuine savings to contribute.
Self-Managed Super Fund loans5.24%pa5.44%paAllows established SMSFs to borrow funds for the purchase or refinance of residential investment properties

^Homeloans Optima fixed rates apply to owner occupier loans with principal & interest repayments and LVR <=80%. For other Homeloans Optima fixed rate loans please refer to Homeloans Optima interest rates.

*Homeloans Ultra and Ultra plus fixed rates shown refer to the fixed rate component of split loans where up to 50% of the loan is fixed. and where LVR <=80%. For other Homeloans Ultra and Ultra Plus fixed rates loans please refer to Homeloans Ultra & Ultra Plus interest rates.

+Homeloans Ultra and Ultra plus 3 year fixed rates shown apply to owner occupied loans. For 3-year fixed investment loans please add 0.10%pa to the rate.


Interest rates on this site were updated on 22 May 2015. Rates shown apply to new business only and may vary before your loan is settled. Rates shown do not apply to all loan sizes, purposes, scenarios or LVRs. Click on the loan name for more information. The comparison rate is calculated on the basis of a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms & conditions, fees, charges and credit criteria apply.

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